You will need Adobe Reader (the latest version is recommended) installed on your computer in order to open and read the Personal Budgeting Plan file. You can get Adobe Reader here (a new window will open so you can download without leaving this page).

In order to print, open the downloaded file, and select the "Print" option from the menu.

Now Remember... Most Of Us Have Lived Many Years Without Giving Much Thought To Where Each Dollar Goes And Certainly Are Not In The Habit Of Spending Money "On Purpose".

Once you have created your first months spending plan and are actually in that first month of personal budgeting... remember that...

Spending money "on purpose" or "with purpose" requires that you consider every dollar you spend against your plan... before you spend it.

It takes awhile to go from perhaps sloppy and/or undisciplined to controlled and on purpose.

The old habits will take a little while to break. So... be patient with yourself.

You will not do this well the first month that you try.

Normally it takes about 3 months before you start to really get a handle on the
process. Just remember... that's OK.

Don't give up and soon you will get it down and begin to see the fruits of your efforts.

The time that you will spend focusing on next month's spending will pay you back in spades.

Your Taking Control Of Your Money And Making It Do What You Want It To Do Is Normally An Eye Opening Experience.

You will be able to clearly see and better understand both... your current money challenges and... your potential new opportunities.

You may discover that you are consistently spending more than you take home.